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Retirement

2 weeks ago I was at my old school reunion. 50 years since we all left 😮. It's weird the last time I saw most of them was at school and the next time I see them almost all are retired and drawing the State Pension. In my head we're all not long out of school.
We had our 30th reunion a few years back. I spent all night staying up with a school friend from school ensuring her hair was held back as she was sick into the toilet. :D :D

Didn't get any sleep that night. The things you do for close friends. Ironic when you know her current job role.
 

The Sunday night feeling is something worth experiencing when you are retired.
In your case thought Mate can’t help thinking that a certain Northern Team that play in red and white stripes is currently helping as well.
Every day should be the same when you retire but it is difficult to stop thinking it's a 5 day working week plus weekend.
 
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That’s similar to me. I retired at the beginning of this year aged 55 and people just can’t get their head around what I do all day and keep asking how do I not get bored.

I get up, have breakfast, coffee and read paper. Then go to the gym, get back and it’s lunchtime. I am slowly redecorating the house, and spend a couple of hours most afternoons doing this. Then cook dinner (I live down south now, so don’t call it tea ;) ). Myself and wife then watch a couple of episodes of whatever box set we are into. Rinse and repeat. Working well so far. We do have days out as well whenever we feel like it.
Nice.

I compare it to this weekend gone and the week coming up. I'm building a garden room and I'm onto varnishing the woodwork, before flooring and done. A weekend ahead of me, so.... Saturday morning, spent some time cutting up and delivering some old pallets to someone a few streets away as a favour, got in a couple of hours of the building work then some dinner. My wife and daughter are away for a few days and my son is getting bored, so spend a few hours doing things with him, then the match, walk the dog then tea and a film with him.

Saturday over, only 2 hours work done, not much further forward. Sunday, guitar lesson early on, come back and my son really wanted an hour with me on the Xbox, did that, pretty much brought us up to dinner time, back out with my paint brush for an hour and a half, then pop round to the sister-in-laws for a housewarming afternoon thing, back to walk the dog, tea and then back into the evening - another day over.

Whole weekend, 3.5 hours done in total, half a working day and nowhere near where I wanted to be. Today I have football after work, walk the dog and do tea again (wife back late on which will help a lot). Tomorrow an on-site day so I'm out at 6am and back 6:30pm if traffic is kind and will hopefully squeeze in an hour or two after work on Wednesday. I'm away next weekend.

Basically a big job I need to do and if I can clock up 8 hours of effort on it over a 2 week period I'm going to be doing well. Almost no time to do any hobby & interest stuff in that time.

I simply don't have time to hold down a job. I just need the income without the hassle of actually doing anything. I don't think I'll be able to retire at 55. I'm envious.
 
That’s similar to me. I retired at the beginning of this year aged 55 and people just can’t get their head around what I do all day and keep asking how do I not get bored.

I get up, have breakfast, coffee and read paper. Then go to the gym, get back and it’s lunchtime. I am slowly redecorating the house, and spend a couple of hours most afternoons doing this. Then cook dinner (I live down south now, so don’t call it tea ;) ). Myself and wife then watch a couple of episodes of whatever box set we are into. Rinse and repeat. Working well so far. We do have days out as well whenever we feel like it.
Did exactly the same over 8 years ago. Never missed work once and never get bored. No rush for big jobs around the house now, just potter about and drink tea all day. Wouldn’t swap it for the world.
 
Yes, at The Manor. You were in the same year as me I think, did you go?
Yes had a great time catching up hard to belive its been 50 years since we left. It was a good feeling been told I had aged well🤣
 
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That’s similar to me. I retired at the beginning of this year aged 55 and people just can’t get their head around what I do all day and keep asking how do I not get bored.

I get up, have breakfast, coffee and read paper. Then go to the gym, get back and it’s lunchtime. I am slowly redecorating the house, and spend a couple of hours most afternoons doing this. Then cook dinner (I live down south now, so don’t call it tea ;) ). Myself and wife then watch a couple of episodes of whatever box set we are into. Rinse and repeat. Working well so far. We do have days out as well whenever we feel like it.
Very similar to us šŸ‘ apart from a daily 2 hour dog walk in countryside or beach,
And every weekend through the summer is a long one in the static van šŸ‘Œ
I usually find people who ask them questions or say I couldn’t retire as I would be bored, is because they can’t retire. šŸ˜‰
 
Yes had a great time catching up hard to belive its been 50 years since we left. It was a good feeling been told I had aged well🤣
I got there at about 3pm, just as Steve was doing his speech. Me and Roger R were the last two to leave at closing time. I'm Anth btw, who are you?
 
Very similar to us šŸ‘ apart from a daily 2 hour dog walk in countryside or beach,
And every weekend through the summer is a long one in the static van šŸ‘Œ
I usually find people who ask them questions or say I couldn’t retire as I would be bored, is because they can’t retire. šŸ˜‰
I disagree, I think there is a personality thing for some people or that work consumes their life and then when older it is harder to pick up new things. Some just can't make that step and I think there needs to be more in the community to help give people that shove.

My dad was a teacher, head of department and at one point the chief maths examiner for either the country or just one of the main exam boards (not sure which). When he was not at work, he was planning lessons, making worksheets, planning exams, writing things to advise the government and navy (he was a key person bringing in maths coursework), or once June had passed he was marking exams. That took up a lot of his life. He did the gardening, DIY and decorating which filled in the rest. Basically those essential jobs we all try to squeeze in. He didn't really have any hobbies.

When he retired, the work all disappeared. The house was in a reasonable state and didn't need much decorating. The garden had changed over the years to be fairly low maintenance. Well stocked borders & flower beds didn't give much space for weeds, so it was mostly cutting the grass - just an hour or two every couple of weeks.

He really struggled in retirement and didn't know what to do with himself. The problem was, the more he sat and watched day time TV, the more bored he got and the less motivated he was to do anything. Here was a seriously intelligent bloke who had worked off pure initiative all his career and he could not find a way to occupy his time.

If I could go back and change anything, I wish I had taken a more assertive role. I bet if I had taken a few days off work to do some volunteering days at somewhere like Bowes Railway or Shildon and asked if he wanted to come with me, he would have come, got really interested, thrown everything into it and I'd have gotten grief off my mam because he was never home and always covered in oil. We suggested it but he didn't have the confidence to just go out and do it himself, yet within 20 minutes of being in an environment like that, he would have been laughing and joking with all the other blokes. Having seen what is around and having half an eye on retirement myself, I could have been that catalyst but I was in my 30s with very young kids and I just didn't think of approaching it that way.

Two notes for anyone who can't be arsed to read the whole story. Find stuff to do and if you have a loved one who can't find stuff to do, don't try and force them just ask them to keep you company when you go to something they will be interested in. Put in that effort to help them because if they go into a mental decline, physical health will soon follow.
 
Fair point mate, sounds like your Dad chucked his life into his work, and enjoyed it.
I too enjoyed my job and give my all while doing it, but also planned for early retirement.
Would say the last couple of years working I lost interest, think my head was turned with one eye on finishing. šŸ‘
 
I love this site, I get some cracking advice on many things but there's also lots of scary 'advice' on this thread and other financial threads. Full disclosure I'm a financial adviser and have been for over 30 years.

You pay for a service which happens to be financial advice. You're told what that service will entail and how much it will cost before any work is started. Much like getting a price from a builder or any other tradesmen.

Financial advisers haven't received 'commission' since the retail distribution review was introduced in 2012. They don't receive 'trail commission' as quoted on this thread. You wouldn't ask a builder to give you half his fee because you know what you want him to do. Yet posters on this thread expect a qualified financial adviser to share their 'commission'.

You're also paying for protection for the advice provided, as they're regulated by the FCA unlike the posters on here. 'Stick it in a global tracker with this company' isn't the one size fits all answer. Are you comfortable with the risk of that? Are you comfortable with 25% drop in a bad year? Your capacity for loss probably isn't even the same as your wife's, never mind a random on an internet forum. What if that 25% drop happened the year before you're planning on retiring? There are far too many variables and everyone's circumstances are different.

I could go on but I'll probably start getting pelters. There are some very knowledgeable posters on financial matters on this thread but not all.

You don't have to engage with a financial adviser but if you find a friend or family member who does, that is probably the best way to find one you can respect and deal with. You might even be happy to pay for their advice.
Totally agree.

I’m a chartered financial planner with over 20 years experience. It’s not a weekend course that I’ve done, it involves (and still does involve) loads of study. There’s plenty of videos on YouTube showing folk how to re-wire a house but personally I’d get an expert in.

Was it Oscar Wilde that said a fool knows the price of everything and the value of nothing?
 
Totally agree.

I’m a chartered financial planner with over 20 years experience. It’s not a weekend course that I’ve done, it involves (and still does involve) loads of study. There’s plenty of videos on YouTube showing folk how to re-wire a house but personally I’d get an expert in.

Was it Oscar Wilde that said a fool knows the price of everything and the value of nothing?
He also went on to say ā€œAnd a sentimentalist, my dear Darlington, is a man who sees an absurd value in everything and doesn’t know the market price of any single thing.ā€ ;-)
 
a "surprise" restructure announced at graft today. for my team 4 of us have to 'fight' over 3 jobs... to be honest i'm happy to miss out as i'll get just over a years salary if i'm made redundant. the process will go on into early next year but i should know in early december if i'm out the door or not.

it would bring retirement a whole lot closer as long as i pick up something else for a year or so.

Was informed before Xmas that I didn’t get a role (as expected)

I start 8 weeks of ā€œmobilityā€ in a week or so where they try to place me elsewhere. If they don’t I then get offered voluntary redundancy.
I can knock that back and spend another three months looking for another internal role and if still unsuccessful will be made redundant at that point (mid June). I’ll end up with over one year’s salary in my pocket.

I’ll see how all that goes and apply for external roles but in a pretty good spot all in all.
 
Retiring today.
Suitcases packed, shipping container gone.
Flight to Singapore this evening.
Be in the house by saturday, cold bintang by the pool.
Congratulations and have a fantastic time out there. I’ve never been but a mate of mine (Al Qaeda fan unfortunately but I’m sure there will be lots of MLFs out there) loves it.
 
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